Mortgage Lenders and Brokers in Westerly, Rhode Island
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Westerly, Rhode Island mortgage lenders include The Washington Trust Company, of WesterlyThe Washington Trust Company, of Westerly126 Franklin St, Westerly, RI 02891A5.0 ★Texas Ratio: 7.00%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA143 Franklin St, Westerly, RI 02891A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA9 Franklin St, Westerly, RI 02891A+5.0 ★Texas Ratio: 4.14%, Beacon Bank & TrustBeacon Bank & Trust18 Post Rd, Westerly, RI 02891A+5.0 ★Texas Ratio: 5.36%, Dime BankDime Bank131 Franklin St, Westerly, RI 02891A+5.0 ★Texas Ratio: 1.37%, Citizens Bank, NACitizens Bank, NA112 Franklin St, Westerly, RI 02891A+5.0 ★Texas Ratio: 5.44%, Washington Trust Mortgage Company LLCWashington Trust Mortgage Company LLCWesterly, RIA5.0 ★Texas Ratio: 7.00%, Westerly Community Credit UnionWesterly Community Credit Union122 Granite St, Westerly, RI 02891A+5.0 ★Texas Ratio: 1.81%, Navigant Credit UnionNavigant Credit Union48 Franklin st, Westerly, RI 02891 3123A+5.0 ★Texas Ratio: 3.30%, and Coastal1 Credit UnionCoastal1 Credit Union576 Metacom Ave Ste 1, Bristol, RI 02809 5168A+5.0 ★Texas Ratio: 1.68%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Westerly, Rhode Island in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Westerly are listed first, then lenders elsewhere in Rhode Island, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Westerly, Rhode Island
Market share is the lender's share of all home loans closed in Westerly, Rhode Island. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Westerly 126 Franklin St, Westerly, RI 02891 A5.0 ★Texas Ratio: 7.00% |
Conventional, Jumbo, HELOC | 17 +24 HELOCs |
5.8% | 89.5% | $253,823 | View |
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1 office in Westerly 143 Franklin St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1% | 75% | $361,666 | View |
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1 office in Westerly 9 Franklin St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +7 HELOCs |
0.7% | 100% | $945,000 | View |
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1 office in Westerly 18 Post Rd, Westerly, RI 02891 A+5.0 ★Texas Ratio: 5.36% |
Conventional, HELOC | 2 +3 HELOCs |
0.7% | 100% | $285,000 | View |
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1 office in Westerly 131 Franklin St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 2 | 0.7% | 75% | $55,000 | View |
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1 office in Westerly 112 Franklin St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +39 HELOCs |
0.3% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 7.00% |
Conventional | 1 | 0.3% | 50% | $275,000 | View |
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122 Granite St, Westerly, RI 02891 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 28 +63 HELOCs |
9.6% | 70% | $286,071 | View |
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48 Franklin st, Westerly, RI 02891 3123 A+5.0 ★Texas Ratio: 3.30% |
Conventional, Jumbo, HELOC | 10 +9 HELOCs |
3.4% | 84.6% | $353,000 | View |
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576 Metacom Ave Ste 1, Bristol, RI 02809 5168 A+5.0 ★Texas Ratio: 1.68% |
Conventional, HELOC | 3 +4 HELOCs |
1% | 100% | $455,000 | View |
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777 Tiogue Ave, Coventry, RI 02816 A5.0 ★Texas Ratio: 10.15% |
Conventional, HELOC | 3 +1 HELOCs |
1% | 100% | $265,000 | View |
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50 Gooding Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 3 | 1% | 100% | $385,000 | View |
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390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $200,000 | View |
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1155 Reservoir Ave, Cranston, RI 02920 A+5.0 ★Texas Ratio: 2.61% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
0.7% | 100% | $470,000 | View |
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590 Metacom Ave, Bristol, RI 02809 A5.0 ★Texas Ratio: 7.62% |
Conventional, FHA | 2 | 0.7% | 100% | $420,000 | View |
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390 Metacom Ave, Bristol, RI 02809 A+5.0 ★Texas Ratio: 2.65% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $405,000 | View |
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330 County Rd, Barrington, RI 02806 A5.0 ★Texas Ratio: 7.77% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $315,000 | View |
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2669 Post Rd, Warwick, RI 02886 3039 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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231 County Rd, Barrington, RI 02806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Semper Home Loans, Inc
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Conventional | 2 | 0.7% | 100% | $400,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 0.7% | 100% | $400,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.3% | 50% | $345,000 | |
Province Mortgage Associates, Inc.
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Rocket Mortgage
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Conventional, FHA | 27 | 9.2% | 71.1% | $277,962 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 3.4% | 90.9% | $382,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +3 HELOCs |
3.1% | 100% | $219,444 | |
Charter Oak Federal Credit Union
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Conventional, Jumbo, HELOC | 8 +4 HELOCs |
2.7% | 80% | $170,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 8 | 2.7% | 100% | $383,750 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA, HELOC | 6 +1 HELOCs |
2.1% | 100% | $411,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 6 | 2.1% | 100% | $298,333 | |
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A+5.0 ★Texas Ratio: 2.28% |
Conventional | 6 | 2.1% | 100% | $270,000 | View |
Guild Mortgage Company
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Conventional | 5 | 1.7% | 100% | $253,000 | |
Total Mortgage Services, LLC
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Conventional | 5 | 1.7% | 100% | $301,000 | |
Nfm, Inc
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Conventional | 5 | 1.7% | 100% | $369,000 | |
Paramount Residential Mortgage
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Conventional | 5 | 1.7% | 100% | $305,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 4 | 1.4% | 100% | $675,000 | |
Primary Residential Mortgage, INC.
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Conventional, VA | 4 | 1.4% | 100% | $160,000 | |
Newrez LLC
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Conventional, FHA | 4 | 1.4% | 66.7% | $252,500 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 1.4% | 66.7% | $312,500 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 1.4% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 1.4% | 100% | $440,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 4 | 1.4% | 100% | $480,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 1.4% | 100% | $697,500 | View |
Prosperity Home Mortgage, LLC
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Conventional | 4 | 1.4% | 66.7% | $410,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1% | 100% | $351,666 | |
Nationstar Mortgage
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Conventional | 3 | 1% | 75% | $198,333 | |
Mortgage Research Center
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Conventional, VA | 3 | 1% | 75% | $295,000 | |
Scient Federal Credit Union
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Conventional | 3 | 1% | 100% | $75,000 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 1% | 75% | $298,333 | |
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A5.0 ★Texas Ratio: 12.75% |
Conventional | 2 | 0.7% | 100% | $470,000 | View |
Nbkc Bank
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Conventional, VA | 2 | 0.7% | 100% | $510,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.7% | 100% | $355,000 | View |
Amerisave Mortgage Company
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Conventional | 2 | 0.7% | 25% | $190,000 | |
Harborone Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $305,000 | |
Jewett City Savings Bank
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Conventional | 2 | 0.7% | 66.7% | $235,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.7% | 100% | $355,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $185,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $55,000 | |
EMM Loans LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 33.3% | $265,000 | View |
Liberty Bank
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Conventional | 1 | 0.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $755,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 42.9% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
Norwich Commercial Group Inc
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VA | 1 | 0.3% | 100% | $805,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $415,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $295,000 | |
First Home Mortgage
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Conventional | 1 | 0.3% | 100% | $65,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $365,000 | |
William Raveis Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $425,000 | |
First World Mortgage Corporaton
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $405,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $475,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $305,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.3% | 100% | $465,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $215,000 | |
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A-4.8 ★Texas Ratio: 14.30% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
GuardHill Financial LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,295,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.3% | 100% | $285,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $345,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.3% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,085,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.3% | 100% | $685,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $365,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Texana Bank
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VA | 1 | 0.3% | 100% | $265,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $495,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
MassMutual FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Harvard Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.86% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bankesb
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Westerly Mortgage Rate Trends
Daily average mortgage rates for Rhode Island compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Westerly, Rhode Island
Looking for mortgage lenders near me or mortgage brokers near me in Westerly? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Westerly in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Westerly, RI
Use these to narrow the list above. Each category shows how many Westerly, RI lenders fit and what that kind of lender is usually best for.
Who Lends in Westerly, RI
Independent mortgage companies closed 52.4 percent of home loans in Westerly, Rhode Island in 2025, banks 24.7 percent and credit unions 22.9 percent. Semper Home Loans, Inc was the largest mortgage company, The Washington Trust Company, of Westerly the largest bank and Westerly Community Credit Union the largest credit union. Among lenders headquartered in Rhode Island, The Washington Trust Company, of Westerly led with 17 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Rhode Island. Real estate conveyance tax of $3.75 per $500 of price (0.75 percent), raised from $2.30 per $500 effective 2026, plus a second tier of another $3.75 per $500 on the portion of a residential sale above an indexed threshold ($824,000 for 2026), paid by the seller; no mortgage recording tax.
More Rhode Island Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Westerly, RI
By home loans closed in 2025, The Washington Trust Company, of Westerly was the largest mortgage lender in Westerly, Rhode Island with 17 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Westerly, Rhode Island in 2025, led by United Wholesale Mortgage with 4. 12 lenders closed VA loans, led by Navy Federal Credit Union, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 39 banks and 12 credit unions closed home loans in Westerly, Rhode Island in 2025, alongside 52 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Westerly, Rhode Island during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Westerly, Rhode Island for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Westerly. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
